IKRAMSHARE

Abstract This study investigates the economic behavior of households in Banda Aceh, a city that uniquely blends cultural heritage and modern influences. The research examines spending patterns, saving and investment strategies, and consumption habits among Acehnese households. Drawing on surveys, interviews, and secondary data, the study provides detailed case examples that illustrate the diversity in household decision-making. In addition, visual representations such as figures and charts are incorporated to further elucidate the trends. The findings highlight the challenges and opportunities that households face in an increasingly digital and globalized economy, while also emphasizing the importance of cultural and religious values in shaping economic decisions. Introduction Household economic behavior represents a critical aspect of a nation’s overall economic performance, as it reflects the decisions made by individuals and families regarding consumption, saving, and investment....

Abstract This paper examines the economic behavior of Generation Z in Banda Aceh—a demographic group born between the mid-1990s and early 2010s—by exploring their spending habits, saving and investment trends, entrepreneurial activities, and the influence of cultural and religious factors on their economic decisions. The study utilizes both qualitative and quantitative data drawn from local observations and interviews, combined with secondary research from digital commerce trends and Islamic finance principles. Examples illustrate how Gen Z in Banda Aceh merges modern digital trends with traditional values. The findings underscore the need for businesses and policymakers to adapt strategies to better serve this dynamic and rapidly evolving consumer segment. Introduction Generation Z, those born from approximately 1997 to 2012, is entering the economic sphere with distinct behaviors shaped by a world of unprecedented technological advancement and globalization. In the context of Banda ...

Digital Banking, Digital Culture, Organizational Learning, Innovation, and Employee Performance Published on: March 26, 2025 Introduction The rapid evolution of technology in the past few decades has redefined business operations and the way organizations connect with customers, employees, and stakeholders. Among the various sectors undergoing digital transformation, banking stands out as one of the most impacted. Digital banking is not merely about shifting traditional banking services online but represents a comprehensive shift in how financial institutions deliver their services, interact with customers, and innovate. This transformation has far-reaching implications not only for the banking industry but also for the organizational culture, learning practices, and performance of employees. In this journal, we delve into the key aspects of digital transformation in the financial sector, focusing on digital banking and the eme...

How to Strengthen Customer Loyalty with Technology Abstract This journal explores the dynamic relationship between technology and customer loyalty. In today’s competitive market, customer loyalty is a crucial asset for businesses looking to sustain growth and maintain a competitive advantage. By leveraging technological innovations—from data analytics to artificial intelligence and mobile applications—companies can create more personalized, responsive, and engaging experiences for their customers. This paper discusses theoretical frameworks, technological strategies, and real-life case studies to demonstrate how companies can strengthen customer loyalty using modern technology. Through analysis of strategies employed by leading businesses, we offer insights into the best practices and potential pitfalls in using technology as a catalyst for loyalty enhancement. Introduction In the rapidly evolving digital age, customer loyalty has taken on a...